The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,778
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,269
−HK$499/mo
Today · 4.125%
HK$16,768
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,536/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,553
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$478/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,477
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$598/mo
Today · 4.125%
HK$20,121
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,242/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$573/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,090
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,777
−HK$698/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,575
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$668/mo
Today · 4.125%
HK$25,902
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,804/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$897/mo
Today · 4.125%
HK$30,182
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,364/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,596
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,443
−HK$860/mo
Today · 4.125%
HK$33,303
baseline
▲ 0.50% · 4.625%
HK$35,058
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,606/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,588 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).